6 Misunderstanding Car Insurance

1. mistake: must always self-pay deductibles of "vehicle insurance"

6 Misunderstanding Car Insurance You can set the deductible when you put the vehicle insurance. I will set a "¥ 50,000 first accident, ¥ 100,000 second accident" and. It is a copayment when you use the insurance and deductibles. For example, if he or she must bear all the repair bill of 200,000 yen is applied in an accident, payment of insurance money will be 150,000 yen if ¥ 50,000 deductible. Do I need to bear this always deductibles, in any case? The answer is "no". Deductible does not apply at the time of the total loss. In addition, in the case of an accident with a partner, co-payment does not occur if the payment from the other party is more than deductibles. For example, negligence of the other party that's 50% if the cost of repairs will take ¥ 200,000, you will be subject to payment of ¥ 100,000 (50% of 200,000 yen) from the other party. This is why she can cover ¥ 200,000 repair bill payment from the other party has in excess of 50,000 yen deductibles. Revision of the grade system from the fact that by, insurance premiums subsequent increases than ever to use the insurance in an accident, the use of insurance will be less in a small accident. It is a good idea if you own expense without insurance, it's reduce the premium by setting the deductible. (Note: Article I pay attention to the deductible plan amendment grade vehicle insurance! )

2. the misunderstanding: be paid to anyone is "personal liability insurance"

"Personal liability insurance" is the most important thing in compensation for car insurance. It is possible that a climb several tens of million yen, hundreds of millions of yen in damages in the case of that just made ​​the death or injury of another person, and then covered in this compensate for the amount of money that can not be covered by liability insurance. Now, people of all or will the "interpersonal" If you other than your own of this bodily injury liability insurance "interpersonal"? The answer is "no". Yourself, of course excluded (spouse, children, parents) family is. It is a good idea if you remember their families and people who are driving and do not apply to "interpersonal". For example, it will not be compensated in the bodily injury liability insurance liability if that just made ​​it hurt your child or spouse during parking. Such a case will be compensated if they subscribe to personal injury insurance. By the way "objective liability insurance" and the belongings of the person at the wheel also damage the belongings of families eligible for compensation is.

Can not be used in the insurance accidents caused by drunk driving 3: misunderstanding

Objective liability insurance and personal liability insurance will be paid even in the case of drunk driving. If you are a serious social problem, there are many important people that time, deprived of economic power and an important person in the victim's drunk driving. The car insurance "victim relief" for is the basic idea, as long as it is not intentional, liability insurance for the other party is the principle target payment. Therefore, it will be subject to payment even in the case of drunk driving, but the loss of my car and my injury is not a payment target. The next page will introduce "premium varies with the mileage auto insurance" 4 in the misunderstanding.

Premium varies depending on mileage car insurance: 4 the misunderstanding

Well as age and driver, the color of the license, mileage, usage, use area It is a good point of risk-segmented car insurance premiums's also vary. Since the frequency of use and how to use of the car varies from person to person, injustice has been prevented from occurring in insurance premiums by classifying finely risk. Car insurance of risk-segmented type does not have adopted the same risk category in any insurance company. It has not been employed in the insurance company of a major for the "mileage", (July 1, 2013) four companies, there is also a company that also "the color of the license," "use area" is also not adopted in direct type . (Reference: Article misunderstanding of risk-segmented auto insurance ) car insurance that was in the use of their own should be found if you check when choosing a car insurance, you or if it is being adopted what risk category when you compare.

Can not be used insurance age condition is not the case 5: misunderstanding

In the automobile insurance "family only", "person-spouse only" "no limit" I specify the person to drive such. The people who drive age conditions I set (30 years of age or older, and without conditions) also. It is this "age conditions," but applies, A "person" · B "spouse" · C "children living together" · D "relatives living together" · E "A, B in most insurance companies, servants "who are engaged in the business of C is engaged, F child" · G unmarried "Separated the" friends and acquaintances "It does not apply (※). Therefore I have the driver that can be used is age insurance even when its condition is not the case. (Some companies ※ E is affiliate of applicable, and F) When setting the age conditions, consider fully the use of the car scene. In uncertain reason whether "oh well Because I do not ride almost", and let me excluded from the compensation can be dangerous. Please do not remove from the scope of compensation that much or "Absolutely not ride" is referred to as "do not ride", you do not ride if it's not already clear.

There is no need for JAF and since being in the road service: 6 the misunderstanding

Road service's attached to the car insurance it has become commonplace. It is a load of JAF service at that time, it will be compared well. People think would be a lot JAF vice versa, or do not need road service because attached to the car insurance. However, it does not forget the major premise in comparison before. That is,
Road service automotive insurance "stick to the car"
Road service of JAF is "attached to people"
It is that.
Automobile insurance does not become a target only car you have agreement but, JAF is also a car or friends car rentals and passenger in people of members or in operation, you can use either. Moped or motorcycle is also OK. Rather than to consider of whether you need content and services simply will need to be weighed against on the thought of the scene and your family will use the car. By the way, the JAF Japan Automobile Federation established in 1963 (1963) stands for. It is an organization with the history that has been expanded to start the load service from next year. The service load of the leading property and casualty insurance company, there is a place that you are load proprietary service based on it in partnership with JAF. This time, I tried to pick up some of the misunderstanding that is often the case, I think misunderstanding that these will happen is that you are not in contact with the car insurance on a daily basis and that auto insurance is complex is the cause. However, I think because there is a chance to face the car insurance once a year, and want to clear by, for example, listen to the person in charge that you wonder even in the timing. How can a long-cherished ambition of user friendly auto insurance that misunderstanding does not occur is The helper application which can in the first place. . .